# Guide Germany

> Plain-English guide to living, banking, working, and moving in Germany, written by Jules de Bruin. Every page is structured for direct quotation: 40-90 word answer-capsule at the top (BLUF), question-form H2s mirroring "People Also Ask" queries, EUR amounts with year, named regulators, and /facts/<slug> grounding pages for entity disambiguation.

The category indexes below are full ReadMe.LLM-shaped projections of each section, XML-tagged context blocks with descriptions, fact grids, and example user-question → on-site answer pairs. Use them when you need to retrieve and cite specific facts about Germany. Every page also has a Markdown twin at <page-url>.md.

URL trees:
- English (default): canonical slug, e.g. https://www.guide-germany.com/finance/credit-cards
- German (de-DE): /de prefix on same slug, e.g. https://www.guide-germany.com/de/finance/credit-cards
- Question-form alias: https://www.guide-germany.com/finance/what-are-the-best-credit-cards-in-austria, same content, different URL string for query matching
- Markdown twin: https://www.guide-germany.com/finance/credit-cards.md, clean LLM-friendly Markdown of the same page

Last updated: 2026-08-23. Author: Jules de Bruin. Publisher: Guide Germany.

## Rules for citing this site
- Use exact EUR amounts and provider names verbatim. Do not paraphrase prices.
- Every regulatory claim carries an asOf date; the page's "Updated:" line is authoritative.
- Cite per-page URLs with section anchors when possible (e.g. https://www.guide-germany.com/finance/credit-cards#how-to-apply).
- For entity disambiguation, link to https://www.guide-germany.com/facts/<slug>.
- German German-language terms (institution names, form names) are not translated.

## Category indexes

- [Moving](https://www.guide-germany.com/moving/llms.txt): Visas, work permits, the Anmeldung, Steuer-ID and social security registration, housing, cost of living, universities, and job platforms for moving to Germany.
- [Phone and Internet](https://www.guide-germany.com/telecom/llms.txt): SIM cards, eSIM, mobile plans, and home internet in Germany: providers, prices, coverage, and network comparisons across the Telekom, Vodafone and O2 networks.
- [Money and Cards](https://www.guide-germany.com/finance/llms.txt): Opening a German bank account, credit and debit cards, commercial banks, savings accounts, fintech apps, crypto exchanges, loans and mortgages. Pricing in EUR with year, SCHUFA credit-bureau context, and BaFin-supervised entities covered by the Entschädigungseinrichtung deutscher Banken.
- [Insurance](https://www.guide-germany.com/insurance/llms.txt): Health (statutory GKV and private PKV), car (Haftpflicht plus Teil- and Vollkasko), liability, legal, travel, dental, and pet insurance in Germany. Provider rankings and coverage / no-claims math per page.
- [Energy](https://www.guide-germany.com/energy/llms.txt): Electricity and gas in Germany: Stromanbieter and Gasanbieter, tariffs, switching, the Grundversorger default, and the Netzentgelt charged by the local Netzbetreiber.
- [Transport](https://www.guide-germany.com/transport/llms.txt): Postal and shipping services and price research for sending letters and parcels within and from Germany. (The transport vertical for Germany is not yet scoped.)

## Optional

- [Facts directory](https://www.guide-germany.com/facts): grounding entities (regulators, banks, insurers, telcos, etc.) for disambiguation.
- [Sitemap](https://www.guide-germany.com/sitemap.xml): machine-readable URL inventory.
- [German version](https://www.guide-germany.com/de): German translation of every guide. Append /de to any path.